Beenleigh vs FlagstoneTwo Brisbane suburbs compared for a home loan
Beenleigh (QLD 4207) is approximately 33 km south-east of the Brisbane CBD, on the Logan River. Flagstone (QLD 4280) is approximately 51 km south-south-west of the Brisbane CBD, within the Greater Flagstone Priority Development Area. At the 2021 Census, Beenleigh had 8,425 residents with a median age of 38, and Flagstone had 7,087 residents with a median age of 30.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 18% of occupied dwellings in Beenleigh and 0% in Flagstone, while 54% of Beenleigh households rented compared with 23% in Flagstone. These differences matter for finance, because lenders assess apartments, strata buildings and houses on land differently.
Both suburbs are in the same state, so transfer duty is calculated on the same scale and the difference in upfront cost comes from the purchase price. The panel below applies that scale, and an estimate of lenders mortgage insurance, to the prices you enter.
QLD 4207 · Logan
Beenleigh
Beenleigh is a Logan town centre where separate houses were only 62.4 per cent of occupied homes and 54.1 per cent of households rented.
City of Logan. Approximately 33 km south-east of the Brisbane CBD, on the Logan River.
Read the full Beenleigh guideQLD 4280 · Logan
Flagstone
Flagstone is a Logan growth corridor locality where 64.0 per cent of households held a mortgage and separate houses were 98.4 per cent of homes.
City of Logan. Approximately 51 km south-south-west of the Brisbane CBD, within the Greater Flagstone Priority Development Area.
Read the full Flagstone guide
What buying in Beenleigh and Flagstone would mean for the loan
The difference between two suburbs is usually a difference in price, and price drives the deposit, the transfer duty, any lenders mortgage insurance and the repayment. Enter the prices you are seeing and the panel works out each of those for Beenleigh and Flagstone.
Your prices and deposit
Enter the price you are seeing in each suburb. BorrowWise does not quote prices, so the comparison uses yours.
Enter a price for Beenleigh to see the repayment, transfer duty and upfront cash.
Enter a price for Flagstone to see the repayment, transfer duty and upfront cash.
Warning: The interest rate used here is an example only. It is not a comparison rate and is not a rate offered by any lender, and it does not include fees and charges. Different rates, terms, fees or loan amounts will give a different result.
Estimates only. Repayments assume a principal and interest loan at a constant rate, which is an assumption and not a current market rate. Transfer duty is indicative for established homes, first home buyer relief depends on eligibility, and upfront cash includes an allowance of $3,000 for conveyancing and inspections. Lenders mortgage insurance is an estimate and is added to the loan. A lender makes its own assessment.
Beenleigh and Flagstone: Census profile compared
Figures are from the 2021 Census, so rents, repayments and incomes have moved since. They are most useful for comparing one suburb with another and with Australia as a whole.
| Measure | Beenleigh | Flagstone |
|---|---|---|
| People and households | ||
| Residents | 8,425 | 7,087 |
| Median ageAustralia 38 | 38 | 30 |
| Average household sizeAustralia 2.5 | 2.3 | 3.3 |
| Median household income, weeklyAustralia $1,746 | $1,155 | $2,073 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $300 | $395 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,387 | $1,820 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 54% | 23% |
| Owned with a mortgageAustralia 35% | 27% | 64% |
| Owned outrightAustralia 31% | 18% | 13% |
| Types of home | ||
| Separate housesAustralia 72% | 62% | 98% |
| Townhouses, terraces and semi-detachedAustralia 13% | 19% | 1% |
| Flats and apartmentsAustralia 14% | 18% | 0% |
| Homes with two bedrooms or fewer | 33% | 1% |
| Homes with four bedrooms or more | 19% | 81% |
| Dwellings unoccupied on Census night | 6% | 4% |
Source: Australian Bureau of Statistics, 2021 Census (CC BY 4.0). Tenure shares exclude households that did not state their tenure. Dwelling shares are of occupied private dwellings.
Home loan considerations in Beenleigh and Flagstone
Lenders treat houses on land, townhouses and apartments differently, and some apply extra conditions to small apartments, high-density buildings or particular postcodes. These are the points each guide raises.
Beenleigh
- First home buyers
- Investors
- Median weekly household income of $1,155 against $1,746 nationally makes assessed serviceability the binding constraint.
- Concentrated public housing can attract a lower maximum loan-to-value ratio with some lenders and insurers.
- Body corporate levies on the 1,207 attached dwellings count as a committed expense in serviceability.
- Logan River flood exposure varies by address and must be checked on Logan City Council flood mapping.
- Single-development exposure limits can restrict lending within individual townhouse and unit complexes.
Flagstone
- First home buyers
- Upgraders
- A construction loan draws down in stages against an as-if-complete valuation, and variations must usually be self funded.
- Estate design covenants run with the land and bind a later buyer of an established house.
- Where many similar houses settle together a valuation can fall below a contract price agreed earlier.
- Mortgage holding of 64.0 per cent means the lender assessment buffer applies across nearly the whole locality.
- Average household size of 3.3 people raises the household expenditure measure a lender applies.
Housing stock in Beenleigh and Flagstone compared
Beenleigh
- Detached houses
- Separate houses numbered 2,058 at the 2021 Census, 62.4 per cent of occupied homes, below the national 72.3 per cent.
- Townhouses
- Townhouse and semi-detached dwellings numbered 627, or 19.0 per cent, well above the national 12.6 per cent.
- Low rise units
- Flats and apartments numbered 580, or 17.6 per cent, concentrated near the town centre and the motorway.
Flagstone
- New estate houses
- Separate houses numbered 2,023 at the 2021 Census, 98.4 per cent of occupied homes, the highest share in these Logan guides.
- Four bedroom homes
- Dwellings with four bedrooms numbered 1,388, or 67.5 per cent of occupied homes, with 276 having five or more.
- Almost no small dwellings
- Only 23 occupied homes had two bedrooms or fewer, comprising 14 two-bedroom, six one-bedroom and three studio dwellings.
Official sale price and rent figures for Beenleigh and Flagstone
Only figures published free of charge by a government agency are shown. Where none is published the space is left empty rather than filled with an estimate. Each guide charts the full series.
Beenleigh
No government agency publishes a free median sale price or rent series for Beenleigh, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Flagstone
No government agency publishes a free median sale price or rent series for Flagstone, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Transport, schools and amenities in Beenleigh and Flagstone
Beenleigh
Transport
- Beenleigh station (train)
- Pacific Motorway (road)
- Beenleigh bus interchange (bus)
- Logan River Road (road)
Schools and campuses
- Beenleigh State School (primary, government)
- Beenleigh State High School (secondary, government)
- St Joseph's Tobruk Memorial School (primary, catholic)
- Trinity College (secondary, catholic)
Amenities
- Beenleigh Town Square
- Beenleigh Library
- Beenleigh Historical Village
- Logan River Parklands
- Beenleigh Marketplace
Flagstone
Transport
- Teviot Road (road)
- Browns Plains bus services (bus)
- Mount Lindesay Highway (road)
Schools and campuses
- Flagstone State School (primary, government)
- Flagstone State Community College (secondary, government)
- St Bonaventure's College (combined, catholic)
Amenities
- Flagstone Village
- Flagstone Parklands Community Hub
- Flagstone Adventure Park
- Flagstone Creek corridor
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Queensland education department.
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Request a free assessment: Beenleigh or Flagstone
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